Job Description

- Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups Relationship Management- Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services- Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal- Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank Communication/PR of Bank\'s products- Undertakes brand communication initiatives for designated products- Communicates product positioning messaging that differentiates Bank\'s products in the market Market Research- Illustrates understanding of consumers, competition and current market conditions through primary and secondary research Credit Appraisal- Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions Documentation and Compliance- To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group Self[1]Management Responsibilities :- Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year- Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training.- Understands the competencies relevant to his/her role, and works towards displaying as well as developing these effectively.- Keeps abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks. Risk and Internal Control Responsibilities- Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by departmental manager.- Executes the established internal control systems and compiles the relevant information for departmental audits, as necessary. (ref:updazz.com)

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